FNB Coweta API Integration · OpenData / OpenFinance Protocol Analysis

Transaction History Export API

Extract posted transactions and their user-added context (tags, notes, and receipt/check photo metadata) so you can build a consistent transaction ledger.

Use case: monthly reconciliation and reporting where “merchant”, “amount”, “posted_at”, and attachment context are normalized for downstream systems.

Balance Alert Synchronization

Sync threshold alert events and balance snapshots to trigger operational rules in your treasury workflow.

Use case: send “balance dropped below X” notifications to ERP queues, internal dashboards, or risk rules with a clear event timeline.

Monthly Statement Retrieval

Retrieve and structure statement content so it can be compared with your accounting records and archived for audits.

Use case: “statement API integration” that produces statement-level and line-level outputs (PDF plus normalized JSON) for close and compliance.

Mobile Check Deposit Data Connect

Connect check deposit events using the app’s photo capture workflow (front and back) to support document archiving and verification processes.

Use case: automated deposit paperwork storage, OCR-friendly capture pipeline, and deposit status correlation with ledger posting.

Payments and Transfers Ledgering

Integrate payment/transfer activity into a unified ledger view with consistent identifiers and status mapping.

Use case: double-entry posting for payment reconciliations and audit-friendly history across accounts.

Branches & ATMs Location Connector

Expose location search outputs to help users find branches and ATMs from within your product.

Use case: onboarding and self-service support where “distance”, “address”, and service metadata are rendered in your UI.

Authorized access patterns

Our integration approach emphasizes consent-based data sharing aligned with modern open-finance standards (FDX API concepts) rather than credential sharing. You receive clear scopes for transactions, statements, alerts, and deposits.

Result: you can design data-sharing flows that satisfy internal governance and external partner requirements while keeping auditability.

Field mapping you can trace

We link every output field back to app screens and actions (for example, balance threshold configuration, statement viewing, and check photo submission), so your engineering team knows exactly where each data element originates.

Result: fewer “mystery fields” and faster integration iteration when accounting rules change.

Delivery that accelerates production

You get working source code, API documentation, and a test plan designed for real failures (token expiry, partial downloads, and pagination gaps).

Result: fewer engineering cycles lost to manual verification and easier handover to your production pipeline.

Scenario 1: Monthly close reconciliation

Context: a finance team needs to reconcile customer-facing activity into a normalized ledger for month-end closing and audit support.

Data involved: transaction history export (with tags/notes context) and monthly statement retrieval for FNB Coweta.

OpenData/OpenFinance mapping: we expose `transactions` and `statements` endpoints, then provide deterministic statement-to-transaction matching rules so your ERP can post entries consistently.

Scenario 2: Threshold-driven cashflow monitoring

Context: operations and treasury monitor cash health and must react quickly when balances drop under business-critical thresholds.

Data involved: balance and “balance drops below amount” alerts, plus periodic balance snapshots for reconciliation.

OpenData/OpenFinance mapping: alerts become an event feed your systems can subscribe to; you can trigger rules (payments holds, escalation, or automated transfers) with a clear event chain.

Scenario 3: Deposit document workflow

Context: a platform digitizes customer submissions to speed review and reduce manual document handling.

Data involved: mobile check deposit events using front/back photo capture, plus deposit status history.

OpenData/OpenFinance mapping: we provide deposit records with image references, enabling OCR-friendly processing and creating an auditable timeline that supports compliance and dispute resolution.

Scenario 4: Consent-based customer data sharing

Context: an analytics or lending product needs transaction and statement data under explicit customer permission and granular scopes.

Data involved: transactions (including tags/notes and receipt/check photo context), statements, and optional alerts.

OpenData/OpenFinance mapping: we design the integration so your platform receives only the requested scopes, with audit logs and revocation support in line with FDX open-finance concepts.

1) Consent + token handling (OAuth-style, scope-based)

POST /v1/fnb-coweta/consent
Content-Type: application/json

{
  "client_id": "your-platform-client",
  "redirect_uri": "https://yourapp.example/callback",
  "scopes": [
    "transactions.read",
    "statements.read",
    "alerts.read",
    "deposits.read"
  ],
  "proofing": { "risk_level": "standard" }
}

// Error handling:
// 401: consent not granted or token expired
// 403: scope denied by user
// 429: upstream rate limiting; retry with backoff

2) Transaction history export (normalized ledger output)

GET /v1/fnb-coweta/transactions?account_ref=acct_12&from=2026-01-01&to=2026-01-31&cursor=null
Authorization: Bearer <INTEGRATION_ACCESS_TOKEN>

// Response:
{
  "items": [{
    "transaction_id": "txn_8a91",
    "posted_at": "2026-01-18T14:02:00Z",
    "amount": { "value": -42.15, "currency": "USD" },
    "merchant_name": "COFFEE SHOP",
    "category": "Food & Drink",
    "tags": ["receipt-photo"],
    "notes": "Client added note text",
    "attachments": [{ "type": "receipt_photo", "ref": "img_9f12" }]
  }],
  "next_cursor": "eyJwYWdlIjoyfQ=="
}

// Error handling:
// 206 partial: continue with cursor; store idempotency keys per request

3) Monthly statement retrieval (PDF + structured JSON)

POST /v1/fnb-coweta/statements/retrieve
Content-Type: application/json
Authorization: Bearer <INTEGRATION_ACCESS_TOKEN>

{
  "account_ref": "acct_12",
  "statement_month": "2026-01",
  "output": { "include_pdf": true, "include_lines_json": true },
  "line_mapping": { "strategy": "best_effort" }
}

// Response:
{
  "statement": {
    "statement_month": "2026-01",
    "pdf_ref": "stmt_pdf_44aa",
    "lines_json_ref": "stmt_lines_11cc"
  },
  "audit": { "generated_at": "2026-02-02T09:11:00Z", "trace_id": "tr_73ad" }
}

// Error handling:
// 404 if statement not available yet; return guidance for retry window

Regulations and standards we align to

• GLBA (Gramm-Leach-Bliley Act) · governs protection of customer information and requires safeguards.
• Regulation P (12 CFR Part 1016) · governs privacy notices and limits on disclosure/sharing of nonpublic personal information.
• FTC Safeguards Rule (16 CFR Part 314) · requires “reasonable” security measures and vendor/service provider oversight.

Practical privacy controls

We implement audit logs for every data access, encrypt sensitive fields at rest, and design consent revocation so your platform can stop further ingestion without manual intervention.

For document data (check photos and receipt contexts), we include retention policies, access-time controls, and optional redaction hooks where your compliance team needs extra safety.

About our studio

We are a technical service studio specializing in app interface integration and authorized API integration. Our team focuses on app protocol analysis, interface refactoring, Open Data integration, and delivery of usable API/protocol source code plus documentation.

Our workflow starts with understanding the target app’s data surfaces (transactions, balances, statements, payments, deposits) and ends with an audit-friendly implementation that your engineering team can operate in production.

Pricing is transparent: services start at $300, and we support a “deliver first, pay after satisfaction” option for low-risk evaluation.

• Protocol analysis and field mapping you can trace to app screens.
• OpenData / OpenFinance integration patterns for consent-based data access.
• Automated data scripting and delivery of interface documentation.

Contact information

To start, tell us the target requirements for FNB Coweta: which modules you need (transactions, statements, alerts, deposits, payments/transfers) and your preferred integration style (batch, webhook, or scheduled sync).

Then click the contact link below to submit your request:

Go to /contact.html

What you receive

• Integration API spec (OpenAPI-style) for transactions, statements, alerts, and deposits.
• Protocol analysis report describing app flows and authorization handling.
• Working source code (language chosen by your team) for ingestion and output APIs.
• Automated tests and an edge-case checklist (pagination, retries, partial downloads).
• Compliance notes: privacy controls, retention guidance, and audit logging approach.

API integration instructions

Most projects follow a short loop: define scopes, fetch sample datasets, validate field mapping against your accounting/analytics model, then move to scheduled sync.

For example, transaction export is typically verified by comparing “posted_at”, “amount”, and merchant/category fields with the corresponding month statement lines.

We also include structured error responses so your production system can recover safely when upstream session states change.

Related ecosystem products

In the US OpenFinance/open banking ecosystem, many teams connect bank data using providers and standards such as:

• Plaid (data connectivity and statement/transaction products)
• MX (data enrichment and categorization)
• Finicity (income/asset verification workflows under Mastercard)

We design your FNB Coweta integration to fit alongside those ecosystems when needed, while keeping consent boundaries and governance clear.

Project workflow

1. Requirement confirmation: pick modules and define expected outputs (ledger vs analytics vs documents).
2. Protocol analysis and integration design (typically 2–5 working days depending on scope).
3. Implementation and internal validation (typically 3–8 working days).
4. Delivery of documentation, API specs, and a test plan (typically 1–2 working days).
5. First production-like dataset validation, then schedule sync/webhook adjustments if required.

Common questions

What do you need from us?

How do you handle changes in the app?

Do you deliver source code?